Two contenders come to mind based on your requirements: the Panasonic ZS3 and the Sony H-20 cameras. Unfortunately the ZS3 does very well with outdoor photos. It has 12X optical zoom. However, indoor photos are poor based on this cameras weak and underpowered built-in flash. The effective flash range is only 6 to 8 feet.

In contrast, the H-20 offers the best built-in flash in this camera market segment and the best fully auto operations.It has 10X optical zoom.

The Sony H-20 is the home run equation. It has the best flash, a very good HD video, and the best auto mode. Sony Pro Duo Card are not that expensive, if your problems are solved.

The Panasonic cameras have poor flash units. That is the bottom line no matter if you look at the ZS or ZR series, and they are POOR in a no flash situation. I tink the conclusion is obvious, but I will leave it up to your judgment.